POINT FORME
ActiveSummary
POINT FORME has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,845 and a net result of €13,562. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 38% of 906 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+19
Solvency44▲+30
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.54 against 0.27 in 2024; short-term debt: 81.1% and cash: 42.9% of total assets), and 81.1% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sports, amusement and recreation activities (NACE 93)
about 50% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
18.9%
Return on assets
29%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
39 d late
2024
36 d early
2023
12 d early
2022
4 d early
2021
11 d early
2020
10 d late
2019
27 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 2 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€8,845
2024 · -€4,717
Total assets
€46,720▲ 10.2%
2024 · €42,394
Net result
€13,562▲ 232%
2024 · €4,084
Working capital
-€17,393▲ 49.4%
2024 · -€34,368
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€11,695▼ 25.4%-€7,570▲ 35.3%€2,068€4,324▲ 109%€13,636▲ 215%
Net result-€12,836▼ 12.7%-€7,524▲ 41.4%-€365▲ 95.2%€4,084€13,562▲ 232%
Equity-€913-€8,437▼ 824%-€8,801▼ 4.3%-€4,717▲ 46.4%€8,845
Total assets€52,778▼ 8.8%€51,599▼ 2.2%€39,930▼ 22.6%€42,394▲ 6.2%€46,720▲ 10.2%
Debt€53,691▲ 16.9%€60,036▲ 11.8%€48,731▼ 18.8%€47,111▼ 3.3%€37,875▼ 19.6%
Working capital-€47,190▼ 73.4%-€45,989▲ 2.5%-€42,254▲ 8.1%-€34,368▲ 18.7%-€17,393▲ 49.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 215% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €46,720
Fixed assets
€26,237 ▼ 11.5%
Current assets
€20,483 ▲ 60.7%
Equity and liabilities €46,720
Equity
€8,845
Debt
€37,875
Debt finances 81.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€17,049▲
2024 · €8,126
Cash flow
€16,975▲
2024 · €7,886
Current ratio
0.54▲
2024 · 0.27
Debt to equity
4.28▲
2024 · -9.99
ROE
153.3%
ROA
29.0%▲
2024 · 9.6%
Interest coverage
231.77▲
2024 · 33.82
Debt ≤ 1 year
€37,875▼
2024 · €47,111
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,811 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 95% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.8%
went bankrupt
3.8%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 3,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,384 | €8,726 | €4,100 | €3,801 | €3,414 | ▼ 10.2% |
| Other operating charges640/8 | €794 | €834 | €1,822 | €5,086 | €5,294 | ▲ 4.1% |
| Gross operating margin9900 | -€2,517 | €1,989 | €7,990 | €13,212 | €22,343 | ▲ 69.1% |
| Operating profit (loss)9901 | -€11,695 | -€7,570 | €2,068 | €4,324 | €13,636 | ▲ 215% |
| Financial charges65/66B | €1,141 | -€1,663 | €2,433 | €240 | €74 | ▼ 69.4% |
| Recurring financial charges65 | €1,141 | -€1,663 | €2,433 | €240 | €74 | ▼ 69.4% |
| Profit (loss) for the period before taxes9903 | -€12,836 | -€5,907 | -€365 | €4,084 | €13,562 | ▲ 232% |
| Income taxes67/77 | - | €1,617 | - | - | - | - |
| Profit (loss) for the period9904 | -€12,836 | -€7,524 | -€365 | €4,084 | €13,562 | ▲ 232% |
| Profit (loss) for the period to be appropriated9905 | -€12,836 | -€7,524 | -€365 | €4,084 | €13,562 | ▲ 232% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52,778 | €51,599 | €39,930 | €42,394 | €46,720 | ▲ 10.2% |
| Fixed assets21/28 | €46,277 | €37,552 | €33,452 | €29,651 | €26,237 | ▼ 11.5% |
| Tangible fixed assets22/27 | €46,244 | €37,519 | €33,419 | €29,617 | €26,204 | ▼ 11.5% |
| Land and buildings22 | €37,249 | €34,348 | €31,446 | €28,545 | €25,644 | ▼ 10.2% |
| Plant, machinery and equipment23 | €8,757 | €3,171 | €1,972 | €1,072 | €560 | ▼ 47.8% |
| Furniture and vehicles24 | €238 | €0 | €0 | €0 | €0 | = |
| Financial fixed assets28 | €33 | €33 | €33 | €33 | €33 | = |
| Current assets29/58 | €6,501 | €14,047 | €6,477 | €12,744 | €20,483 | ▲ 60.7% |
| Amounts receivable within one year40/41 | €1,732 | €9,224 | €323 | €2,747 | €456 | ▼ 83.4% |
| Trade receivables40 | €229 | €8,909 | €74 | €2,719 | €74 | ▼ 97.3% |
| Other amounts receivable41 | €1,503 | €315 | €249 | €28 | €383 | ▲ 1,251% |
| Cash at bank and in hand54/58 | €4,769 | €4,823 | €6,155 | €9,997 | €20,027 | ▲ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52,778 | €51,599 | €39,930 | €42,394 | €46,720 | ▲ 10.2% |
| Equity10/15 | -€913 | -€8,437 | -€8,801 | -€4,717 | €8,845 | ▲ 288% |
| Contributions10/11 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Capital10 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Issued capital100 | €62,500 | €62,500 | €62,500 | €62,500 | €62,500 | = |
| Revaluation surpluses12 | €10,010 | €10,010 | €10,010 | €10,010 | €10,010 | = |
| Reserves13 | €53 | €53 | €53 | €53 | €53 | = |
| Non-distributable reserves130/1 | €53 | €53 | €53 | €53 | €53 | = |
| Legal reserve130 | €53 | €53 | €53 | €53 | €53 | = |
| Profit (loss) carried forward14 | -€73,476 | -€81,000 | -€81,365 | -€77,281 | -€63,719 | ▲ 17.5% |
| Amounts payable17/49 | €53,691 | €60,036 | €48,731 | €47,111 | €37,875 | ▼ 19.6% |
| Amounts payable within one year42/48 | €53,691 | €60,036 | €48,731 | €47,111 | €37,875 | ▼ 19.6% |
| Current portion of amounts payable after more than one year42 | €13,516 | - | - | - | - | - |
| Financial debts43 | €5 | €5 | - | €5 | €5 | = |
| Credit institutions430/8 | €5 | €5 | - | €5 | €5 | = |
| Trade debts44 | €3,769 | €13,293 | €2,597 | €2,045 | €750 | ▼ 63.3% |
| Suppliers440/4 | €3,769 | €13,293 | €2,597 | €2,045 | €750 | ▼ 63.3% |
| Taxes, remuneration and social security45 | €535 | €535 | €535 | €709 | €535 | ▼ 24.5% |
| Taxes450/3 | €535 | €535 | €535 | €709 | €535 | ▼ 24.5% |
| Other amounts payable47/48 | €35,866 | €46,204 | €45,599 | €44,353 | €36,586 | ▼ 17.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€12,836 | -€7,524 | -€365 | €4,084 | €13,562 | ▲ 232% |
| + Depreciation and write-downs630 | €8,384 | €8,726 | €4,100 | €3,801 | €3,414 | ▼ 10.2% |
| Operating cash flow (approximation) | -€4,452 | €1,202 | €3,735 | €7,886 | €16,975 | ▲ 115% |
| Investment in fixed assets (approximation) | - | -€1 | €0 | €0 | €0 | - |
| Change in cash | - | €54 | €1,332 | €3,842 | €10,030 | ▲ 161% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 39 days late
2025
31-12
Financial
Highest result since 2018net €13,562 ▲232%
Operating result €13,636, net result €13,562, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4,084
Net result €4,084 after 6 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Charleroi · 1 establishment unit since 1993
Ground area
236 m²
Building footprint
141 m²
Volume, LiDAR
1,320 m³
Parcel 52058B0205/00R000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
POINT FORME
since 19932.063.872.067
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52058B0205/00R000 | Wallonia | 236 m² | 1 · 141 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.063.872.067
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Of 1,520 companies in sector 93130 we hold annual accounts for 689. 394 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded01-06-1993
Fiscal year end31-12
Activities, NACEBEL 2025
93130Fitness centres
E-invoicing
Reachable via Peppol
Peppol ID
0208:0450237574
Also
9925:BE0450237574
Registered
30-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.